Ultimate Home Loan Package

Product Principal & Interest Interest Only
2 Year Fixed Special Package 2.29~ Interest rate 3.84*Comparison rate N/A
Special Variable Package Rate 3.14~ Interest rate 3.51*Comparison rate 3.49~ Interest rate 3.85*Comparison rate
3 Year Fixed Package 2.79 Interest rate 4.04*Comparison rate 3.14 Interest rate 4.37*Comparison rate
2 Year Fixed Package 2.79 Interest rate 4.13*Comparison rate 3.14 Interest rate 4.47*Comparison rate
1 Year Fixed Package 2.79 Interest rate 4.23*Comparison rate 3.14 Interest rate 4.57*Comparison rate
Standard Ultimate Home Loan Package 3.99 Interest rate 4.34*Comparison rate 4.34 Interest rate 4.68*Comparison rate
Effective date from Monday 6 April 2020
Fees
Annual fee $350

Fixed Rate Home Loan

New Loan Rates Principal and Interest Interest Only
1 Year Fixed Rate 2.94 Interest rate 4.50*Comparison rate 3.29 Interest rate 4.85*Comparison rate
2 Year Fixed Rate 2.94 Interest rate 4.37*Comparison rate 3.29 Interest rate 4.71*Comparison rate
3 Year Fixed Rate 2.94 Interest rate 4.24*Comparison rate 3.29 Interest rate 4.59*Comparison rate
Effective date from Monday 6 April 2020
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Standard Variable Rate Home Loan

Product Principal & Interest Interest only
Standard Variable Rate Home Loan 4.49 Interest rate 4.65*Comparison rate 4.84 Interest rate 5.00*Comparison rate
Effective date from Monday 6 April 2020
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Home Equity Loan

Product Principal and Interest Interest only
Home Equity Loan 5.49 Interest rate 6.36*Comparison rate N/A
Effective date from Monday 6 April 2020
Fees
Establishment fee $250
Document fee $250
Loan maintenance fee $10

Line of Credit

Product Interest Rate Interest only
Line of Credit 4.94 Interest rate N/A
Discounted Line of Credit 4.44 Interest rate N/A
Effective date from Monday 6 April 2020
Fees
Establishment fee $250
Document fee $250
Annual fee $100

The fine print

^Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments.

^^ Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Only available under the Ultimate Home Loan Package. Total borrowings from Queensland Country must be $100,000 or more.

^^^Comparison Rate calculated on a secured loan of $30,000 over a 5 year term based on monthly repayments.

~ Comparison Rate calculated on a secured loan of $150,000 over a 25 year term based on monthly repayments. Available for limited time only. May be withdrawn at any time before a loan contract is entered into. For new borrowings involving a new mortgage to Queensland Country Bank ('Queensland Country'). Not available for the restructure of existing Queensland Country loan facilities. The LVR excludes any Lenders Mortgage Insurance which may be required. Only available under the Ultimate Home Loan Package. Total borrowings from Queensland Country must be $100,000 or more.

# Following fixed rate expiry, the loan will revert to our Principal and Interest SVR with a discount of 0.75%p.a. for the life of the loan.

## Includes a 1.05% p.a. discount off our Principal and Interest Standard Variable Rate (SVR) for the life of the loan.

~~ Available for the purpose of purchasing or refinancing residential investment properties. Maximum interest only term 3 years. Includes a 1.35% p.a. discount off our Interest Only SVR. Following expiry of the interest only period, loan will revert to principal and interest repayments with a 0.75%p.a. discount off the Principal and Interest SVR.

*WARNING:These Comparison Rates apply only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate schedule is available online or at any Queensland Country Bank branch.

Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request.

Before acquiring the product, the information above should be read in conjunction with the following documents to determine if the product is right for you: Home Loan brochureAccount and Access Facility Conditions of UseFees and Charges brochureLoan Interest Rate Schedule;and Credit Guide.